The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$15,646
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,132
−HK$495/mo
Today · 4.125%
HK$16,627
baseline
▲ 0.50% · 4.625%
HK$17,639
+HK$1,012/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$33,254/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$205,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,406
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,873
−HK$473/mo
Today · 4.125%
HK$18,346
baseline
▲ 0.50% · 4.625%
HK$19,313
+HK$967/mo
Deposit HK$3.43M · loan HK$3.43M · min. income ≈ HK$36,692/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$205,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,775
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,359
−HK$593/mo
Today · 4.125%
HK$19,952
baseline
▲ 0.50% · 4.625%
HK$21,166
+HK$1,214/mo
Deposit HK$2.74M · loan HK$4.12M · min. income ≈ HK$39,904/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,887
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,447
−HK$568/mo
Today · 4.125%
HK$22,015
baseline
▲ 0.50% · 4.625%
HK$23,176
+HK$1,161/mo
Deposit HK$2.74M · loan HK$4.12M · min. income ≈ HK$44,030/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$205,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,904
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,585
−HK$693/mo
Today · 4.125%
HK$23,278
baseline
▲ 0.50% · 4.625%
HK$24,694
+HK$1,416/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$46,556/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,368
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,022
−HK$663/mo
Today · 4.125%
HK$25,685
baseline
▲ 0.50% · 4.625%
HK$27,038
+HK$1,353/mo
Deposit HK$2.06M · loan HK$4.80M · min. income ≈ HK$51,370/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$205,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,162
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$29,038
−HK$890/mo
Today · 4.125%
HK$29,928
baseline
▲ 0.50% · 4.625%
HK$31,749
+HK$1,821/mo
Deposit HK$686K · loan HK$6.18M · min. income ≈ HK$59,856/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$205,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,330
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,171
−HK$852/mo
Today · 4.125%
HK$33,023
baseline
▲ 0.50% · 4.625%
HK$34,764
+HK$1,741/mo
Deposit HK$686K · loan HK$6.18M · min. income ≈ HK$66,046/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$205,842 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).